What is an FBC roof covering?
Thursday, April 2, 2020
FBC stands for Florida Building Code, and an FBC roof covering is one that meets the standards of the 2001 Florida Building Code or a later edition, and the date of the roofing permit application was March 1, 2002, which is when the 2001 FBC went into effect, or later. An FBC roof covering gets you a discount on the windstorm portion of your homeowner’s insurance when you have a wind mitigation inspection done on your home.
An alternative to FBC approval, which applies only to Miami-Dade and Broward counties only, is an SFBC (South Florida Building Code) approved roof covering. This is proven by a permit application date of September 1, 1994 or later in those counties, or if the roof is original and built in 1997 or later.
One last way to get the discount is when the inspector can find proof of a Miami-Dade or FBC Product Approval number for the roof material, which is sometimes marked on the back of the roofing. But this is difficult to do without damaging the roof, and not often possible.
If the permit date is not aligned with FBC or SFBC approval, or the roof was not permitted and a Miami-Dade or SFBC Product Approval marking cannot be found, or if only part of the roof is compliant, then the roof covering discount cannot be applied towards your wind mitigation inspection.
Here’s the section of the Wind Mitigation report form (OIR-B1-1802) that is applicable.
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